黨的十九大以來，人民銀行堅持(chi)以習(xi)近平新時(shi)代中(zhong)國(guo)特色社會主(zhu)義思想為指(zhi)導，堅決貫徹落實黨中(zhong)央、國(guo)務院決策部(bu)署，按(an)照“穩(wen)定(ding)大局(ju)、統籌協調、分類施策、精準(zhun)拆彈(dan)”的基本(ben)方針，會同(tong)有關(guan)部(bu)門打好防(fang)范化解重大金(jin)融(rong)(rong)風險攻堅戰，持(chi)續推動健(jian)全(quan)金(jin)融(rong)(rong)穩(wen)定(ding)長效機制，有效應對復雜嚴峻的國(guo)內外形勢和新冠肺炎疫情的沖擊考驗，維(wei)護了金(jin)融(rong)(rong)穩(wen)定(ding)安(an)全(quan)發展大局(ju)，為金(jin)融(rong)(rong)業持(chi)續健(jian)康發展營造了安(an)全(quan)穩(wen)定(ding)的良好環境。

一、防范化解金融風險取得重要成果

一是果斷處(chu)置高風(feng)(feng)險(xian)(xian)(xian)企(qi)(qi)業集團和高風(feng)(feng)險(xian)(xian)(xian)金(jin)(jin)融(rong)機(ji)(ji)構(gou)。按照市(shi)場化(hua)(hua)、法治化(hua)(hua)的(de)原則(ze)，對“明天系(xi)”“安邦(bang)系(xi)”“華信系(xi)”、海航集團等(deng)資產負債規模(mo)大(da)的(de)高風(feng)(feng)險(xian)(xian)(xian)企(qi)(qi)業集團進行(xing)“精準(zhun)拆彈”。果斷接管包括(kuo)包商銀(yin)行(xing)在(zai)內的(de)10家“明天系(xi)”金(jin)(jin)融(rong)機(ji)(ji)構(gou)，目(mu)前均已(yi)順利結(jie)束接管。穩(wen)妥處(chu)置錦州銀(yin)行(xing)并推動其改(gai)革(ge)重組，及時阻斷其風(feng)(feng)險(xian)(xian)(xian)跨(kua)機(ji)(ji)構(gou)、跨(kua)市(shi)場蔓(man)延。順利完成(cheng)恒豐銀(yin)行(xing)等(deng)重點金(jin)(jin)融(rong)機(ji)(ji)構(gou)風(feng)(feng)險(xian)(xian)(xian)處(chu)置。穩(wen)妥推進華融(rong)公司風(feng)(feng)險(xian)(xian)(xian)處(chu)置，順利完成(cheng)增資引戰并推動其聚焦主責主業、瘦身化(hua)(hua)險(xian)(xian)(xian)。支持(chi)配合相關地(di)方(fang)政府推動中(zhong)小(xiao)金(jin)(jin)融(rong)機(ji)(ji)構(gou)改(gai)革(ge)化(hua)(hua)險(xian)(xian)(xian)，高風(feng)(feng)險(xian)(xian)(xian)中(zhong)小(xiao)金(jin)(jin)融(rong)機(ji)(ji)構(gou)的(de)數量(liang)總體下降。

二是有效(xiao)壓降(jiang)影(ying)(ying)子(zi)銀行(xing)風(feng)險。按照(zhao)“防風(feng)險、治亂象、補(bu)短板”的要求，出臺(tai)資(zi)(zi)管(guan)(guan)新(xin)規(gui)及配套(tao)實施細則(ze)，統一資(zi)(zi)管(guan)(guan)產(chan)品(pin)監管(guan)(guan)標準，重(zhong)點(dian)拆解高風(feng)險影(ying)(ying)子(zi)銀行(xing)業(ye)務和交(jiao)叉性金融產(chan)品(pin)。2022年6月末(mo)，資(zi)(zi)管(guan)(guan)產(chan)品(pin)凈值(zhi)化比例(li)為87%，較2018年末(mo)提高41個百(bai)分點(dian)。資(zi)(zi)管(guan)(guan)業(ye)務逐步(bu)回歸(gui)直接融資(zi)(zi)本源，影(ying)(ying)子(zi)銀行(xing)風(feng)險持續收斂，行(xing)業(ye)轉(zhuan)型發展取得實效(xiao)。

三是全(quan)面清理整頓金(jin)(jin)(jin)融(rong)秩序。互聯(lian)網(wang)金(jin)(jin)(jin)融(rong)風險專項整治工作順(shun)利完(wan)成，近5000家P2P網(wang)貸機構已經全(quan)部停業(ye)。持續打擊(ji)境內(nei)虛擬貨幣交(jiao)易炒作，中國境內(nei)比(bi)特幣交(jiao)易量在全(quan)球(qiu)占(zhan)比(bi)大幅(fu)下降(jiang)。金(jin)(jin)(jin)融(rong)資(zi)產類交(jiao)易場所(suo)清理整頓工作取得(de)積極成效，無序擴張和野蠻生長勢頭得(de)到有效遏(e)制，數(shu)量、業(ye)務規模和涉眾人數(shu)均(jun)大幅(fu)壓降(jiang)，風險明顯收(shou)斂(lian)。深入推(tui)進“偽(wei)金(jin)(jin)(jin)交(jiao)所(suo)”專項整治工作，消除監管真空。嚴(yan)厲打擊(ji)非法(fa)(fa)集資(zi)，過去5年累(lei)計立案查(cha)處非法(fa)(fa)集資(zi)案件(jian)2.5萬起。

二、扎實推進金融穩定長效機制建設

一(yi)是持(chi)續推(tui)(tui)動構(gou)(gou)建結(jie)構(gou)(gou)合理(li)(li)、層次分明、差(cha)異(yi)化競爭的金(jin)融機(ji)構(gou)(gou)體系。持(chi)續推(tui)(tui)動大型商(shang)業銀(yin)(yin)行(xing)(xing)保持(chi)穩健經(jing)營(ying)勢頭，不(bu)斷夯實(shi)(shi)風(feng)險抵(di)御(yu)能力(li)，工商(shang)銀(yin)(yin)行(xing)(xing)、農業銀(yin)(yin)行(xing)(xing)、中(zhong)國銀(yin)(yin)行(xing)(xing)、建設銀(yin)(yin)行(xing)(xing)已成為全球(qiu)系統重(zhong)要(yao)性(xing)銀(yin)(yin)行(xing)(xing)，資(zi)本和資(zi)產規(gui)模躍居全球(qiu)前(qian)列(lie)，經(jing)營(ying)效(xiao)率(lv)接(jie)近國際先進(jin)水平。全面落(luo)實(shi)(shi)政策性(xing)、開發(fa)(fa)(fa)性(xing)金(jin)融機(ji)構(gou)(gou)改革方(fang)案，推(tui)(tui)動政策性(xing)、開發(fa)(fa)(fa)性(xing)金(jin)融機(ji)構(gou)(gou)堅(jian)持(chi)職能定位，建立現代金(jin)融企業制度，不(bu)斷完(wan)善組(zu)織架構(gou)(gou)和治理(li)(li)結(jie)構(gou)(gou)，有效(xiao)提升資(zi)本實(shi)(shi)力(li)，推(tui)(tui)進(jin)業務分類(lei)分賬，發(fa)(fa)(fa)揮(hui)好在支(zhi)持(chi)國民經(jing)濟發(fa)(fa)(fa)展重(zhong)點領域、薄(bo)弱環節的重(zhong)要(yao)作用(yong)。引導(dao)中(zhong)小銀(yin)(yin)行(xing)(xing)回歸(gui)本源、深耕本地、下沉服(fu)務，推(tui)(tui)進(jin)中(zhong)小銀(yin)(yin)行(xing)(xing)補(bu)充資(zi)本，進(jin)一(yi)步增強中(zhong)小銀(yin)(yin)行(xing)(xing)風(feng)險抵(di)御(yu)能力(li)。穩步推(tui)(tui)進(jin)農村(cun)信(xin)用(yong)社(she)深化改革，支(zhi)持(chi)各省（區(qu)）制定農村(cun)信(xin)用(yong)社(she)改革方(fang)案，落(luo)實(shi)(shi)中(zhong)央對(dui)省聯社(she)“淡出(chu)行(xing)(xing)政管(guan)理(li)(li)”的改革要(yao)求，因(yin)地制宜做優做強行(xing)(xing)業服(fu)務功(gong)能。

二是(shi)不(bu)斷健全(quan)金(jin)(jin)融(rong)(rong)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)監(jian)測(ce)(ce)、評(ping)估(gu)、預警(jing)體系。加強系統(tong)性金(jin)(jin)融(rong)(rong)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)監(jian)測(ce)(ce)和(he)評(ping)估(gu)，全(quan)面(mian)評(ping)估(gu)我國金(jin)(jin)融(rong)(rong)體系穩(wen)健性狀況，發布《中國金(jin)(jin)融(rong)(rong)穩(wen)定報(bao)告》。自2017年(nian)起(qi)按季對(dui)(dui)約4400家(jia)機(ji)構(gou)(gou)開(kai)(kai)展央行(xing)(xing)(xing)金(jin)(jin)融(rong)(rong)機(ji)構(gou)(gou)評(ping)級(ji)(ji)(ji)(ji)工(gong)(gong)作（分(fen)為(wei)1-10級(ji)(ji)(ji)(ji)和(he)D級(ji)(ji)(ji)(ji)），通過對(dui)(dui)其公(gong)司治理(li)(li)(li)、資(zi)產(chan)管理(li)(li)(li)、流(liu)動性風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)、市(shi)場(chang)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)等方面(mian)進(jin)行(xing)(xing)(xing)評(ping)估(gu)，科學、合理(li)(li)(li)評(ping)價金(jin)(jin)融(rong)(rong)機(ji)構(gou)(gou)經營管理(li)(li)(li)水平和(he)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)狀況，引導(dao)金(jin)(jin)融(rong)(rong)機(ji)構(gou)(gou)審慎、穩(wen)健經營。在(zai)持續(xu)(xu)化解高風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)機(ji)構(gou)(gou)（評(ping)級(ji)(ji)(ji)(ji)為(wei)8-10級(ji)(ji)(ji)(ji)和(he)D級(ji)(ji)(ji)(ji)）風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)的(de)(de)同時，2020年(nian)底以來(lai)按季度對(dui)(dui)央行(xing)(xing)(xing)金(jin)(jin)融(rong)(rong)機(ji)構(gou)(gou)評(ping)級(ji)(ji)(ji)(ji)1-7級(ji)(ji)(ji)(ji)的(de)(de)銀(yin)行(xing)(xing)(xing)開(kai)(kai)展風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)監(jian)測(ce)(ce)預警(jing)，及時識別苗頭性風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)并采取措施促使大部分(fen)銀(yin)行(xing)(xing)(xing)異常指標(biao)回(hui)歸至(zhi)行(xing)(xing)(xing)業(ye)正常水平，避免潛在(zai)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)演變為(wei)實(shi)質風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)。自2012年(nian)起(qi)連(lian)續(xu)(xu)11年(nian)對(dui)(dui)銀(yin)行(xing)(xing)(xing)業(ye)開(kai)(kai)展壓(ya)(ya)(ya)力(li)測(ce)(ce)試(shi)(shi)(shi)，覆(fu)蓋(gai)約4000家(jia)銀(yin)行(xing)(xing)(xing)業(ye)金(jin)(jin)融(rong)(rong)機(ji)構(gou)(gou)，結合我國銀(yin)行(xing)(xing)(xing)業(ye)特色(se)和(he)發展趨勢(shi)，已逐步(bu)建(jian)立起(qi)適應國內金(jin)(jin)融(rong)(rong)形勢(shi)的(de)(de)壓(ya)(ya)(ya)力(li)測(ce)(ce)試(shi)(shi)(shi)框架，形成了廣(guang)域覆(fu)蓋(gai)、層(ceng)次清晰、內容豐富(fu)的(de)(de)壓(ya)(ya)(ya)力(li)測(ce)(ce)試(shi)(shi)(shi)體系和(he)常態化工(gong)(gong)作機(ji)制。運用金(jin)(jin)融(rong)(rong)市(shi)場(chang)壓(ya)(ya)(ya)力(li)指數、股票質押融(rong)(rong)資(zi)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)壓(ya)(ya)(ya)力(li)測(ce)(ce)試(shi)(shi)(shi)、公(gong)募(mu)基金(jin)(jin)流(liu)動性風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)壓(ya)(ya)(ya)力(li)測(ce)(ce)試(shi)(shi)(shi)、保險(xian)(xian)(xian)(xian)(xian)業(ye)專項壓(ya)(ya)(ya)力(li)測(ce)(ce)試(shi)(shi)(shi)等工(gong)(gong)具，及時監(jian)測(ce)(ce)資(zi)本市(shi)場(chang)、保險(xian)(xian)(xian)(xian)(xian)業(ye)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)及跨市(shi)場(chang)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)狀況。

三是(shi)實施并完善(shan)存(cun)(cun)款(kuan)保(bao)(bao)險(xian)(xian)制度。自2015年《存(cun)(cun)款(kuan)保(bao)(bao)險(xian)(xian)條例》發布以來(lai)，我國存(cun)(cun)款(kuan)保(bao)(bao)險(xian)(xian)制度實施順利，在(zai)守護好老百姓(xing)的(de)“錢(qian)袋子”、促進銀行業審慎經營等(deng)方面(mian)發揮了重(zhong)要作(zuo)用(yong)。2022年6月末，全國共有4018家投保(bao)(bao)機(ji)(ji)構(gou)。存(cun)(cun)款(kuan)保(bao)(bao)險(xian)(xian)標識全面(mian)啟(qi)用(yong)，存(cun)(cun)款(kuan)保(bao)(bao)險(xian)(xian)宣傳取得成效(xiao)，存(cun)(cun)款(kuan)保(bao)(bao)險(xian)(xian)制度逐(zhu)步深(shen)入人(ren)心。風險(xian)(xian)差別(bie)費率機(ji)(ji)制不(bu)斷(duan)完善(shan)，早期(qi)糾正初顯(xian)成效(xiao)，累計推動數百家機(ji)(ji)構(gou)退出問題投保(bao)(bao)機(ji)(ji)構(gou)名單(dan)。探索發揮存(cun)(cun)款(kuan)保(bao)(bao)險(xian)(xian)市場化、法治化處置(zhi)平臺作(zuo)用(yong)，支持重(zhong)點區(qu)域和機(ji)(ji)構(gou)風險(xian)(xian)化解。

四(si)是(shi)設(she)立金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)穩(wen)定(ding)(ding)(ding)保(bao)障(zhang)基(ji)(ji)(ji)金(jin)(jin)(jin)(jin)(jin)(jin)。根據中(zhong)央(yang)有(you)關工作(zuo)部(bu)署，2022年(nian)，人民銀行(xing)會同有(you)關部(bu)門加(jia)快推動建立金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)穩(wen)定(ding)(ding)(ding)保(bao)障(zhang)基(ji)(ji)(ji)金(jin)(jin)(jin)(jin)(jin)(jin)。金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)穩(wen)定(ding)(ding)(ding)保(bao)障(zhang)基(ji)(ji)(ji)金(jin)(jin)(jin)(jin)(jin)(jin)定(ding)(ding)(ding)位于由中(zhong)央(yang)掌(zhang)握的應(ying)(ying)對重(zhong)(zhong)大金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)風險的資(zi)金(jin)(jin)(jin)(jin)(jin)(jin)，資(zi)金(jin)(jin)(jin)(jin)(jin)(jin)來自金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)機(ji)構、金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)基(ji)(ji)(ji)礎設(she)施等(deng)市場(chang)主體，與存(cun)款保(bao)險基(ji)(ji)(ji)金(jin)(jin)(jin)(jin)(jin)(jin)和(he)相關行(xing)業保(bao)障(zhang)基(ji)(ji)(ji)金(jin)(jin)(jin)(jin)(jin)(jin)雙層運(yun)行(xing)、協同配合(he)，共(gong)同維護金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)穩(wen)定(ding)(ding)(ding)與安全(quan)。在重(zhong)(zhong)大金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)風險處置中(zhong)，金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)機(ji)構、股東(dong)和(he)實際控制(zhi)人、地方政府、存(cun)款保(bao)險基(ji)(ji)(ji)金(jin)(jin)(jin)(jin)(jin)(jin)和(he)相關行(xing)業保(bao)障(zhang)基(ji)(ji)(ji)金(jin)(jin)(jin)(jin)(jin)(jin)等(deng)各(ge)方應(ying)(ying)依(yi)法依(yi)責充分投(tou)入相應(ying)(ying)資(zi)源。仍有(you)缺口的，經批準按程(cheng)序使用金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)穩(wen)定(ding)(ding)(ding)保(bao)障(zhang)基(ji)(ji)(ji)金(jin)(jin)(jin)(jin)(jin)(jin)。目前，金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)穩(wen)定(ding)(ding)(ding)保(bao)障(zhang)基(ji)(ji)(ji)金(jin)(jin)(jin)(jin)(jin)(jin)基(ji)(ji)(ji)礎框架初步建立，已(yi)有(you)一定(ding)(ding)(ding)資(zi)金(jin)(jin)(jin)(jin)(jin)(jin)積累。

五(wu)是(shi)補齊金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)穩(wen)定(ding)制(zhi)(zhi)度(du)短板。強(qiang)化人民(min)銀行(xing)宏觀審慎管(guan)(guan)理和(he)系統(tong)(tong)性(xing)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)風(feng)險(xian)防范(fan)職責，開展金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)業(ye)(ye)綜合統(tong)(tong)計，出臺加強(qiang)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)控(kong)股(gu)公司、系統(tong)(tong)重要(yao)性(xing)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構監管(guan)(guan)等制(zhi)(zhi)度(du)性(xing)文(wen)件(jian)，統(tong)(tong)籌(chou)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)基礎設(she)施監管(guan)(guan)。出臺《關于加強(qiang)非金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)企業(ye)(ye)投資金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構監管(guan)(guan)的(de)指導意見》，防范(fan)實業(ye)(ye)風(feng)險(xian)與金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)業(ye)(ye)風(feng)險(xian)交叉傳(chuan)遞。發(fa)布(bu)《全(quan)球(qiu)系統(tong)(tong)重要(yao)性(xing)銀行(xing)總損失吸收能力管(guan)(guan)理辦法》，提高全(quan)球(qiu)系統(tong)(tong)重要(yao)性(xing)銀行(xing)服務(wu)(wu)(wu)實體經(jing)濟和(he)抵御風(feng)險(xian)的(de)能力。發(fa)布(bu)《關于規范(fan)商業(ye)(ye)銀行(xing)通(tong)過互聯(lian)網開展個(ge)人存(cun)款業(ye)(ye)務(wu)(wu)(wu)有(you)關事(shi)項的(de)通(tong)知》，要(yao)求商業(ye)(ye)銀行(xing)不(bu)得(de)通(tong)過非自(zi)營網絡平臺開展存(cun)款業(ye)(ye)務(wu)(wu)(wu)，穩(wen)妥有(you)序(xu)處(chu)理存(cun)量(liang)業(ye)(ye)務(wu)(wu)(wu)，已(yi)開展的(de)業(ye)(ye)務(wu)(wu)(wu)到期自(zi)然(ran)結清。牽(qian)頭起草《金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)穩(wen)定(ding)法》并向社會公開征求意見，加強(qiang)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)穩(wen)定(ding)法律制(zhi)(zhi)度(du)的(de)頂層設(she)計和(he)統(tong)(tong)籌(chou)協(xie)調(diao)，壓實各(ge)方責任，充分發(fa)揮法治固根本、穩(wen)預期、利長(chang)遠的(de)作用。

三、下一步工作思路

經(jing)過三年集中(zhong)攻(gong)堅，一批緊迫性、全局性的(de)突出(chu)風險點得到(dao)有效處置，金(jin)(jin)融(rong)(rong)(rong)脫實向虛、盲(mang)目擴張(zhang)的(de)局面得到(dao)根本(ben)扭轉，金(jin)(jin)融(rong)(rong)(rong)風險整體(ti)(ti)(ti)收(shou)斂、總(zong)體(ti)(ti)(ti)可控。當前(qian)我國金(jin)(jin)融(rong)(rong)(rong)體(ti)(ti)(ti)系總(zong)體(ti)(ti)(ti)穩健(jian)，突出(chu)表現(xian)在(zai)金(jin)(jin)融(rong)(rong)(rong)機構穩健(jian)性程度(du)保持在(zai)較高水平。我國銀行業(ye)總(zong)資產(chan)在(zai)金(jin)(jin)融(rong)(rong)(rong)業(ye)總(zong)資產(chan)中(zhong)占比超過90%，銀行穩則金(jin)(jin)融(rong)(rong)(rong)穩。2021年末，我國央行金(jin)(jin)融(rong)(rong)(rong)機構評(ping)級(ji)安(an)全邊界內（1-7級(ji)）的(de)銀行資產(chan)規模占銀行業(ye)總(zong)資產(chan)的(de)98.9%，其中(zhong)24家(jia)大型商業(ye)銀行資產(chan)規模占銀行業(ye)七成以上，評(ping)級(ji)一直優(you)良，發(fa)揮了金(jin)(jin)融(rong)(rong)(rong)體(ti)(ti)(ti)系穩定“壓(ya)艙石”的(de)關鍵(jian)作用(yong)。

人民銀行(xing)將(jiang)深入貫徹落實黨中(zhong)央(yang)、國務院決(jue)策(ce)部署，持(chi)續(xu)抓好金(jin)融(rong)改革(ge)發(fa)展穩(wen)定工作(zuo)，進一步(bu)夯實金(jin)融(rong)穩(wen)健(jian)運(yun)行(xing)制度基礎，牢牢守(shou)住不發(fa)生系統性金(jin)融(rong)風險的底線。一是(shi)按照既定方案(an)，分(fen)類施策(ce)，持(chi)續(xu)化(hua)(hua)解(jie)重點企(qi)業集團和金(jin)融(rong)機構風險。二是(shi)進一步(bu)推(tui)動(dong)深化(hua)(hua)金(jin)融(rong)機構改革(ge)，完善公(gong)司治(zhi)理結(jie)構。三是(shi)推(tui)動(dong)提(ti)高監(jian)管(guan)有效(xiao)性，持(chi)續(xu)強化(hua)(hua)金(jin)融(rong)業審慎監(jian)管(guan)和行(xing)為監(jian)管(guan)，加強消(xiao)費者(zhe)和投資(zi)者(zhe)保護(hu)。四(si)是(shi)堅持(chi)“治(zhi)已病”和“治(zhi)未病”相結(jie)合，健(jian)全金(jin)融(rong)風險預(yu)防(fang)、預(yu)警、處置、問責制度體系，補齊金(jin)融(rong)風險防(fang)范化(hua)(hua)解(jie)制度短板。

（作者：金(jin)融(rong)穩定局）

封面圖片(pian)來源：每(mei)經(jing)記(ji)者 張建 攝